Payments API — India
Payments API enable businesses to accept payments from their customers through all UPI Apps installed on their device via WhatsApp. Businesses can sends invoice(order_details) messages to their customers, then get notified about payment status updates via webhook notifications from Payment Gateway.
Based on particular usecase, businesses can collect payment from the customers using one of the following integrations.
Know the differences in the models of integration
The choice between the two, relies on what Payment Gateway, the merchant/business use. There are 2 models of integration and they differ in the following ways:
- UPI Intent Mode: This mode can be used with any Payment Gateway provided they support UPI Intent generation.
- Payment Gateway Deep Integration Mode: Currently supported for Razorpay and PayU only.
| User Experience | UPI Intent Mode | Payment Gateway Deep Integration Mode |
|---|---|---|
Native support for "Other payment methods" Eg: Netbanking, cards, wallets | ❌ Alternative: Send payment links | ✅ |
Native support for UPI Intent | ✅ | ✅ |
Native Payment Status Notification | ❌ | ✅ |
| Integration Features | UPI Intent Mode | Payment Gateway Deep Integration Mode |
|---|---|---|
Refunds from Whatsapp APIs | ❌ | ✅ |
Payment Status from Whatsapp webhooks | ❌ | ✅ |
Pre-requisites for integration
- Essential Payments APIs are available at BSP
- Access to merchant order trigger APIs / CSVs needed to trigger an order. (eg: amount, goods/service details)
- Access to payment posting APIs needed to close an order (eg: ticket generation APIs to create tickets once payment is received)
Full Payment Gateway Deep Integration Mode
- Find out PG account owner: This is to authorize the linking of their account to Whatsapp Business Manager.
UPI Intent Mode
- Find out VPA IDs, MCC and PC for business from merchant’s PG.
- Access to PG API docs:
- UPI Intent S2S calls
- Webhook configuration for payment status
Support
- Incase you run into issue, reach out to direct support. Make sure to choose the correct case type: "WaBiz: Business Payments API” so you get a faster resolution.
- Signup for office hours. Make sure to write down your issues in the form provided